| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MID-CONTINENT COMPANIES Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | BLUE CROSS BLUE SHIELD OF TEXAS | $212K | $7K | $220K | 4.27% |
| MID-CONTINENT COMPANIES Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | DEARBORN NATIONAL LIFE INSURANCE CO | $49K | — | $49K | 18.55% |
| MID-CONTINENT COMPANIES Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | METROPOLITAN LIFE INSURANCE CO | $18K | — | $18K | 8.71% |
| MID-CONTINENT COMPANIES Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | PROVIDENT LIFE & ACCIDENTAL INSURANCE | $9K | — | $9K | 9.71% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 123103 DALLAS, TX 75312 | PROVIDENT LIFE & ACCIDENTAL INSURANCE | $5K | $1K | $6K | 5.96% |
| MID-CONTINENT COMPANIES Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | HUMANA | $5K | — | $5K | 10.00% |
| MID-CONTINENT COMPANIES Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER ST HOUSTON, TX 770028841 | SAFEGUARD HEALTH PLANS INC | $2K | — | $2K | 8.92% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,068 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,068 | $5.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 371 | $232K |
| Vision | HUMANA | 394 | $53K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE CO | 491 | $359K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE CO | 491 | $266K |
| Other | DEARBORN NATIONAL LIFE INSURANCE CO | 491 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.